Jurnal Ekonomi dan Bisnis Islam (JEBI)
Vol. 5 No. 1 (2025): Maret

Empowerment of Women-Owned Businesses through Islamic Financial Inclusion Instruments: The Role of Crowdfunding

Al Berto, Muhammad (Unknown)
Hamdun, Nabil Ghazy (Unknown)
Abror, Moh Arifal (Unknown)



Article Info

Publish Date
26 Mar 2025

Abstract

Women entrepreneurs face financial constraints due to limited access to traditional banking, lack of collateral, and systemic biases. This study explores Sharia-compliant crowdfunding as an alternative financing model to enhance financial inclusion. Using a qualitative approach with library research, the study proposes a model integrating social intermediation (group formation, client appraisal, capacity building) and financial intermediation (qardh hasan for interest-free loans, musyarakah for investment-based financing). Findings suggest this approach can bridge the financing gap, promote women's economic participation, and create a more inclusive financial ecosystem. Expanding Islamic crowdfunding and financial literacy can further empower women entrepreneurs and drive sustainable economic growth.

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Journal Info

Abbrev

jebi

Publisher

Subject

Economics, Econometrics & Finance

Description

Focus Jurnal Ekonomi dan Bisnis Islam (JEBI) is a peer-reviewed journal that aims to advance islamic economies in emerging markets, namely economies in emerging countries and economies in emerging areas in developed countries. Scope The scope of Jurnal Ekonomi dan Bisnis Islam (JEBI)  are but ...